Compare Bank & Credit Union Rates
Best CD rates in Waterville, ME
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–10 results in Waterville, ME
- Bangor Savings BankSpecial Certificate of Deposit (CD) OfferingsCD · 39 months · $500 min
Bank · 1 branch
4.00%APY$1,359 over 39 months on $10,000with conditionsRequirements
Product: Requires a $500 minimum daily balance to earn APY and $500 minimum opening deposit. Interest compounded daily and credited monthly. Penalties may be imposed for early withdrawal. Benefit Plus checking account holders receive relationship rate and APY.
Offer: For Benefit Plus customers. Renews automatically into 36 Month CDs.
Qualified rate · 3.92% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 3.87%APY$789 over 24 months on $10,000
Requirements
Product: No fee to establish. Minimum balance of $500.00. Borrow against certificate available.
3.80% interest rate
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
3.75% interest rate · Effective Sep 25, 2026
Rate checked
More details - New Dimensions Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 2 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply. Rates effective October 1, 2026.
Offer: Early withdrawal penalty of 180 days dividends.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.56%APY$176 over 6 months on $10,000
3.50% interest rate · Effective Mar 27, 2025
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000
Requirements
Product: Rates are fixed for the term of the account. Assumes dividends remain on deposit until maturity. Early withdrawal penalty may be imposed and will reduce earnings. Certificates renew at maturity with a 10-day grace period. Subject to membership eligibility. Must be opened with qualifying new money (funds not currently on deposit, or in combination with new money of $20,000+ to fund certificates in excess of $20,000).
3.45% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.35%APY$166 over 6 months on $10,000with conditions
Requirements
Product: A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Monthly service fee is $0.
Offer: Special rate. Valid for new money only; transfers from existing Camden National Bank accounts are not eligible. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the CD Special account is opened. For individuals only. Available for new accounts opened on or after 3/4/2026. Early withdrawal penalty will apply. You must maintain the minimum balance each day to receive disclosed APY.
Qualified rate · 3.30% interest rate · Effective Mar 4, 2026
Rate checked
More details - 3.25%APY$491 over 18 months on $10,000intro rate
Requirements
Product: FDIC-insured up to $250,000. Features fixed interest rate accruing daily, annual free statements, and automatic renewal. Open at a branch.
Offer: Limited-time offer, subject to withdrawal at any time. Rates fixed for term. Penalty will or may be imposed for early withdrawal.
Promotional rate · 3.20% interest rate
Rate checked
More details - 2.53%APY$63 over 3 months on $10,000
Requirements
Product: FDIC-insured. Daily compounding, interest credited monthly. Early withdrawal penalties apply. Benefit Plus checking account holders receive relationship interest rate and APY.
Offer: For Benefit Plus customers.
2.50% interest rate · Effective Oct 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Waterville, ME
79 CDs at 9 banks and credit unions · checked Oct 15–22
- Typical
- 3.20%
- Top 10% from
- 3.75%
- Banks, typical
- 1.01%
- Credit unions, typical
- 3.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Augusta, ME metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Trademark Federal Credit UnionCredit union · 1 branch
- Northeast BankBank · 1 branch
- University Credit UnionCredit union · 1 branch